Everything we know about Canadian credit unions
Independently researched guides on rates, deposit insurance, eligibility, switching, and the tax questions people search for. No financial ties to any credit union.
Live rankings for every rate type
HISA, GIC, mortgage, and chequing, ranked across Canadian credit unions and refreshed as rates change.
Best Credit Union HISA Rates
Live savings rate rankings across Canadian credit unions, updated regularly.
Read guideRatesBest Credit Union GIC Rates
1-, 3- and 5-year GIC rates compared. Understand terms, early redemption, and deposit coverage.
Read guideRatesBest Credit Union Mortgage Rates
5-year fixed rates from credit unions across Canada, with a comparison against the Big Five.
Read guideRatesBest Credit Union Chequing Accounts
No-fee and low-fee chequing at Canadian credit unions, and the balance and transaction conditions attached to each.
Read guideHow credit unions work
Ownership, deposit insurance, membership, and how to switch from a bank.
Credit Union vs Bank
12 key differences covering ownership, rates, fees, deposit insurance, and who comes out ahead.
Read guideGuideDeposit Insurance Guide
CDIC vs provincial deposit insurers: province-by-province breakdown of coverage limits.
Read guideGuideHow to Join a Credit Union
Eligibility rules, membership shares, and what changes once you become a member-owner.
Read guideGuideTFSA at a Credit Union
Rates, provincial deposit coverage, and 2026 contribution rules, all in one place.
Read guideGuideHow to Switch to a Credit Union
Step-by-step checklist covering payroll, pre-authorized payments, and registered account transfers.
Read guideRegistered-account deadlines and limits
The RRSP deadline and the TFSA annual and cumulative limits, sourced from the Canada Revenue Agency.
The tax questions people search for
GIC tax, what happens at maturity, HISA versus GIC, and CDIC versus provincial insurance, each with an interactive built in.
Is a GIC Taxable in Canada?
How GIC interest is taxed: yearly at your marginal rate in a non-registered account, sheltered inside a TFSA, RRSP, or FHSA. Includes a tax estimator.
Read guideGuideWhat Happens When a GIC Matures?
Principal and interest come back at maturity. Then you choose: renew, reinvest, or cash out. The options, the tax, and a renewal-rate comparison built in.
Read guideGuideHISA vs GIC in Canada
What a HISA and a GIC each are, how the rate behaves, where each can be held, the tax, and which suits which money. Side-by-side comparison and a calculator.
Read guideGuideCDIC vs Provincial Deposit Insurance
Banks are covered by CDIC; most credit unions by a provincial deposit insurer instead. How the two systems differ, what each covers, and a coverage checker.
Read guideWill your money last once you're spending it
The decumulation questions, answered with Retirement Replay's historical engine: how long a portfolio lasts through every market on record, and what the sequence of returns does to it.
How Long Will Your Money Last in Retirement?
The historical-cohort answer for a $500k and a $1M portfolio, computed live with real CPP, OAS, and Canadian tax. Spending rate decides it more than your balance.
Read guideGuideSequence of Returns Risk
Why two identical retirement plans can end decades apart, shown with a real Canadian example: retire in 1973 and the money runs out; retire in 1975 and it lasts.
Read guideCredit unions against each big bank
Head-to-head on rates, fees, deposit protection, and the ownership model.
Credit Union vs RBC
Canada's largest bank vs member-owned cooperatives
Credit Union vs TD
TD Bank compared on rates, fees, and ownership model
Credit Union vs Scotiabank
Scotiabank vs credit unions across Canada
Credit Union vs BMO
Bank of Montreal vs the credit union alternative
Credit Union vs CIBC
CIBC compared on savings rates, mortgages, and fees
More bank comparisons are added as research coverage expands.
How the data is researched and verified
What we collect, how it is verified, and why there are no financial ties to any credit union.
Find your credit union
Browse and compare 172+ Canadian credit unions, filtered by province, city, rates, and services.